Re: Which Credit card will Back Date?

The only one I remember hearing about doing that is AMEX, and I think it's under the pretense that you've had a card from them before. If you haven't had a prior relationship with them I don't know if they'll do it or not - then again, I don't know how diligently they check their records about that either.

Re: Which Credit card will Back Date?

Hi, only American Express does this. If you had an AMEX card some time ago and it was cancelled or closed, and you just got approved for an AMEX card, you can ask them to back date it to the date that you first became AMEX card holder. It works for primary card holder, and it's dicey if you were just an authorized user.

Re: Which Credit card will Back Date?

gijoe4500 wrote:

Bluerain wrote:

How long can they go back because they don't even show up on my CR ?

As far back as they can see in their records. They don't look at your credit report for that info.

But if they can't find it in their records, it will be up to you to prove that you had a prior account. So if you have the account number, have any old cc statements, or old cr reports, etc. where the account does still show, that might help.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation.
Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies.
Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.
FTC's website on credit.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.